Refinance Analysis Calculator
Compare your current loan to a refinance scenario.
Estimate your new payment, total refinance costs, and an approximate break-even timeline based on monthly savings. (This is a planning tool—actual terms and costs vary by program, credit, property, and underwriting.)
Current mortgage
Estimated remaining principal.
How many years left on the current loan.
Optional—helps compare total monthly payment.
New refinance scenario
Enter a positive number for cash-out, or 0 for rate/term.
Enter extra money you’ll bring to closing to reduce the loan amount.
Appraisal, title, lender fees, etc. (estimate).
1 point = 1% of the new loan amount (estimate).
Changes the loan amount and break-even math.
Use same as current if you’re not sure.
Break-even estimates assume you keep the loan long enough to recover refinance costs from monthly savings.
We can help validate assumptions with a real quote and program guidelines.